I recently had a transaction get declined for something called a Code 1 which is negative information on file or unpaid checks. Which was a load of bull as we written checks sucessfully just days before this that was much bigger.

After this I decided to contact Certegy myself with a card the employee gave me, I was prompted to put in Check # and the amount....... low and behold without putting in any more information then that (no name, no account number, nothing else) I was given a Code 1 and asked to hold.

So I talk with a human being on this piece of **** service and was told their was problems with a company called Cingular (The cell phone company) Which I dont even freaking do business with. Then was given a 1800 number to call to a company thats based in San Diego.

I dont know why transactions like this have to go through pathetic companies like this when what goes on should be between you, the bank, and the person you writing checks to.

Many people have such problems with Cingular, have you ever tried to avail Cigular Service and canceled it later on? You may try a search on Cingular to know more about them.

It seems the debt has been sold to Certegy; before you pay them a single dime, ask them to validate the debt. Send your debt validation request through mail. If they fail to validate the debt, you may request credit bureaus to take the item off from your report._________________Stan
BTW, I am not a lawyer, I am here to share what Life has taught me.

wwepatriotGuest

Tue Apr 03, 2007 8:33 pm
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Yeah Im just not sure why this issue was bought up. To be quite honest though about 3 years we did drop Cingular services without paying a hefty bill for the service. Although the problem is about a year or 2 after that, we had moved out to another state, opened a new bank account, everything else and up till this point every check written went through. Really I just thought the worse they do is cut the service off and thats it as Cingular has really never requested any money but maybe 1 bill sent, no contact through phone or mail after that point.

Apparently though Certegy doesnt know and gave a 1-800 number to call. I actually think many cases people have like this is just false info given since prior to this occurance a 2 large checks was written, 1 to Office Depot and 1 to Best Buy. Most of the problems I have heard with certegy is they decline checks quite often if you have written a check the previous day or so or it clearned in that time period.

As I said before, Certegy seems to be a debt buyer, they buys debts for cents per dollar. Do you know if the debt is past SOL or not? Which state are you from?

However, it is always important to get the debt validated before you pay to a collection agency. Request for validation in writing. Have they reported to credit bureaus?_________________Stan
BTW, I am not a lawyer, I am here to share what Life has taught me.

wwepatriotGuest

Subject: nahh

Wed Apr 04, 2007 9:17 pm
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its possibly a debt in the past, talking about maybe something from 4 years ago though. This was in Louisiana, but since then we had changed bank accounts, moved to Mississippi, and everything else.

I am just wondering though how is this all legal? its like saying I am writing this check on my good bank account and then someone telling me I cant. I have seen on these forums and other places where Certegy seems to get a little to involved into ones business when it comes to check writing now.

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.

Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.

Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.

Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.

The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.